Results for this period
Full year1 April 2025–31 March 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Stacked from zero: upward is an increase in cash, downward a decrease (in ¥ million).The net change represented by the dotted line is the total of three items, calculated from figures provided by the company.
Ordinary revenue increased due to higher funds investment income resulting from increases in interest on loans and interest and dividend income on securities, as well as higher other ordinary revenue resulting from increased gains on sales of shares and other securities. Funding costs increased due to higher interest on deposits, and the provision for loan losses also increased.
No applicable matters. The filing states, "There are no applicable matters."
| Item | Details |
|---|---|
| Fiscal Period Classification | Full year |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2025–31 March 2026 |
| Net Sales | ¥108,556 million (YoY +20.6%) |
| Ordinary income | ¥29,135 million (YoY +46.3%) |
| Profit attributable to owners of the parent | ¥18,857 million (YoY +37.6%) |
| Net income per share | ¥166.07 |
| Equity ratio | End of the current fiscal period 6.6 / End of previous period 5.7 |
| Total assets | ¥5,845,803 million |
| Net assets | ¥384,426 million |
| Cash flows from operating activities | ¥-140,067 million |
| Cash flows from investing activities | ¥190,850 million |
| Cash flows from financing activities | ¥-6,572 million |
| Cash and cash equivalents at end of period | ¥862,119 million |
| Full-year earnings forecast | Net Sales ¥116,500 million (YoY +7.3%) / Operating profit Not disclosed / Ordinary income ¥33,000 million (YoY +13.3%) / Net income ¥21,000 million (YoY +11.4%) |
| Annual Dividend Forecast | ¥234 per share → ¥70 per share（-70.1%） |
| Payout ratio | Fiscal year ending March 2026 35.2 / Forecast for the fiscal year ending March 2027 37.7 |
| Segment revenue | Banking ¥99,000 million / Leasing ¥7,467 million |
| Segment profit | Banking ¥27,687 million / Leasing ¥417 million |
| Depreciation and amortization | ¥3,185 million |
| Impairment loss | ¥286 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Gain on disposal of fixed assets ¥69 million / Extraordinary loss Losses on disposal of fixed assets ¥187 million / Impairment loss ¥286 million |
| Disclosure regarding the going concern assumption | No applicable matters. The filing states, "There are no applicable matters." |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New 0 / Excluded 0 / Company name Not disclosed |
| Material subsequent events | Effective 1 April 2026, the company split each share of common stock into 4 shares and changed the total number of authorized shares from 99.3 million to 350 million. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 114,520,000 |
| Treasury Shares at Period-End | 1,432,460 |
| Factors Behind Changes in Business Performance | Ordinary revenue increased due to higher funds investment income resulting from increases in interest on loans and interest and dividend income on securities, as well as higher other ordinary revenue resulting from increased gains on sales of shares and other securities. Funding costs increased due to higher interest on deposits, and the provision for loan losses also increased. |
Items this document does not state (6)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Ordinary revenue increased due to higher funds investment income resulting from increases in interest on loans and interest and dividend income on securities, as well as higher other ordinary revenue resulting from increased gains on sales of shares and other securities. Funding costs increased due to higher interest on deposits, and the provision for loan losses also increased.